Top health care law complaints

The debut of the Affordable Care Act health insurance exchanges has been anything but smooth.

Nearly a month after the exchanges opened, Americans are still having a tough time signing onto the insurance exchange websites. And once they manage to get in, many aren't so happy with what they're finding.

As Health Secretary Kathleen Sebelius testifies about the problems on Capitol Hill, check out some of the major complaints from CNNMoney readers:

1. I can't log in

Many people are still having trouble signing onto healthcare.gov, the federal exchange that's handling enrollment for 36 states. While the site no longer leaves applicants hanging with a hold screen, many are still receiving error messages when they try to log in.

2. My info's not right

Some insurers are saying the applications they're getting from the exchanges are riddled with errors. Some forms are missing full names or numbers. Others contain duplicates, with the same person signing up for different plans.

3. The costs are too high

Many who were uninsured before are feeling forced to buy pricey insurance they don't want. Others who had bare-bones individual plans are seeing the premium prices soar because the "Obamacare" plans are more comprehensive. Be sure to check if you're eligible for federal subsidies to lower the cost.

4. My employer is raising my premiums because of "Obamacare"

Several readers with employer-sponsored insurance say their premiums are going up for 2014, and are blaming the Affordable Care Act. While it's true that health reform is contributing to higher premiums and plan changes, experts say "Obamacare" is not the driving factor. Health care costs are rising because the economy is improving so people are going to the doctor more.

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